I have had a few loans

The big loans I've had are a mortgage, second mortgage, refinance as well as car loans. In the case of the car loans, the price is a little too high for a payday loan or personal checks, at least for me. I don't have that kind of money available. I usually set things up ahead of time with my credit union on the loan and then if I'm buying my car at a dealer, I see if they can do better. Many times they can, but they also may have some contingencies which they don't always cover in great detail. One guy lied and told me I had to take some accessories on the car or I couldn't get the lowest loan rate. It wasn't legal to do that, I found out later. Once you get the loan, you may need lots of checks to pay it each month, and checks in the mail is a good way to get checks at a nice price. You can order personal checks online and save yourself some money when you need to make payments on your loan.